Bank mortgage loan approval process:
1, and the approval period for a contract with complete information is about 10 working days;
2. It takes about 7 working days to apply for mortgage registration;
3. Lending also takes about 7 working days.
Personal housing commercial loan process:
1, go through the application procedures.
Personal commercial housing loan
Prepare relevant loan materials.
2. Bank preliminary examination.
3. Buy insurance.
4. Bank comments.
5. Sign a housing mortgage loan contract.
6. Handle the transfer of house property rights with the seller.
7. The bank handles the mortgage registration procedures.
8. The trading center issues the certificate, the bank retrieves his right certificate, and the bank lends money.
Extended data
Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing, and it is a self-operated loan issued by the bank with its credit funds.
Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral. Mortgage loan is a kind of commercial loan.
Personal commercial housing loan application conditions:
1, the identity is legal and valid.
Identity card and residence booklet of this Municipality; Residents of other provinces and cities should provide household registration certificates or temporary residence permits provided by local household registration management departments in addition to ID cards and household registration books; Passports provided by foreigners; /kloc-Birth certificate or one-child certificate is required for children under 0/8 years old.
2, must have a stable and legitimate economic income, can provide the corresponding income and assets.
Income certificate issued by the borrower's work unit, stamped with the company's personnel seal or official seal and a copy of the business license; Self-employed individuals, private individuals and private borrowers can provide copies of tax bills and business licenses for nearly three months; If the monthly income issued exceeds 2000 yuan, tax bills or other assets certificates (bank deposit certificates, securities, investment certificates, real estate, etc.). ) should be provided.
3. Natural persons with full capacity for civil conduct have no bad credit records.
4. Sign a valid purchase contract or purchase agreement with the seller.
5. Pay the down payment according to the specified proportion (generally not less than 30% of the total price of the purchased house) or deposit a deposit not less than the down payment in the loan bank.
6. Lender's age 18-65 years old, and different ages have different restrictions on the loan term.
7. Other conditions stipulated by the lending bank.